Sentences with phrase «annual investment costs»

Which means that by shaving a little more than a half a percentage point in annual investment costs, you're essentially able to save nearly an extra two percentage points of salary a year without actually having to part with that money or put additional strain on your budget.

For example, if at the same time you're ramping up your savings rate you're able to reduce your annual investment costs from 1 % of assets a year to 0.5 %, the combination of more savings, lower investing fees and higher return could boost the eventual value of your nest egg at retirement to roughly $ 1.35 million and your annual retirement income to $ 54,000, almost 13 % more than the what you would have by increasing your savings rate alone.

Reduce your annual investment costs from 1.5 % to just 1 % — hardly a heroic effort — and you're looking at a nest egg worth roughly $ 505,000.

The average Canadian pays more than 2 % in annual investment costs.

Not exact matches

The low cost of capital, over the same period, did not help business investments either; they increased at an average annual rate of 0.8 percent because the poor sales outlook at home did not require large expansions of production capacities, and exports were increasingly sourced from overseas factory outlets.

Updegrave adds, «As for choosing investments for your portfolio, I recommend you focus mostly, if not exclusively, on broadly diversified low - cost index funds or ETFs, many of which charge just.2 percent of assets or less in annual expenses.

The IRS RMD rules can be a bit confusing, and failing to satisfy your annual RMD can be expensive, costing you an excise - tax penalty of up to 50 percent on the amount not distributed as required, warns Manisha Thakor, director of Wealth Strategies for Women at Buckingham and The BAM Alliance, a community of more than 140 independent registered investment advisors throughout the country.

Although the one - time costs of being connected are higher on an annual basis, benefits accumulate over time, as they tend to be made as long - term investments in productivity.

On Wednesday, Fidelity Investments released it's annual retirement healthcare cost estimate and the amount a 65 - year - old couple is projected to need is up 11 % — from $ 220,000 in 2014 to $ 245,000 this year.

«The type of hidden fees annuity investors should pay attention to are separate account [investment funds] expense ratios; back - end sales charges; annual administration fees; mortality and expense costs; any rider fees, such as guaranteed income rider, death benefit riders [and] principal protection riders, to name a few,» says financial planner Joseph Carbone of Focus Planning Group.

A 65 - year - old couple will need on average $ 280,000 to cover health care and medical expenses throughout retirement, according to Fidelity Investments» 16th annual retiree health care cost estimate.

Each state's plan offers various investment options, annual fees, and operating costs.

Missing out on investment returns — even the semi-conservative 6 % annual return used in NerdWallet's analysis — for that portion of their portfolio could cost more than $ 300,000 (22 % of the retirement savings they could have built with a better investment mix).

The blame lies with investment costs, such as annual fund expenses and trading costs.

In general mutual funds are more expensive because of higher expense ratios (the ongoing annual costs), load fees (typically 2 to 5 percent of the investment), transaction costs and taxes on short - term capital gains.

Many also offer ancillary services, such as investment education, assistance with annual tax return preparation, Social Security and retirement income planning, as well as one - off custom requests from clients — all of which could cost thousands of dollars if purchased à la carte.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

We believe the living wage reflects those costs,» said a speaker from Vancity Investment Management Ltd., which submitted the shareholder proposal at Loblaw's annual general meeting of shareholders Thursday.

While the structure has still to be finalised, analysts believe Coles will have net debt between $ 1.5 billion and $ 2.1 billion — half of Wesfarmers» net debt of $ 3.9 billion — annual lease costs of $ 1.25 billion and fixed charges cover between 2.6 and 2.8 times, which should enable it to achieve an investment grade credit rating of BBB or BBB +.

Research shows that high - quality early childhood programs can yield a 13 percent annual return on investment through better outcomes in education, health, social behaviors and employment — reducing taxpayer costs down the road.

Based on those findings, the authors estimate that for cities of similar size averaging 3,187 births per year, an annual investment of approximately $ 2.2 million in nurse home visiting would yield community healthcare cost savings of about $ 6.7 million in the first six months of life, or $ 3 saved for every $ 1 spent.

This automatic increase in annual compensation makes the economics for additional education clear: the degree should be obtained at the lowest cost possible in order for the teacher to earn the highest return on the investment.

While states and the federal government contribute, roughly 45 % and 10 % respectively, to school districts annual operating costs, the capital investment required to build and modernize buildings falls heavily on local districts and taxpayers.

Indeed, less than a year before the Coleman Report's release, President Lyndon Johnson had signed the Elementary and Secondary Education Act into law, dedicating federal funds to disadvantaged students through a Title 1 program that still remains the single largest investment in K — 12 education, currently reaching approximately 21 million students at an annual cost of about $ 14.4 billion.

Fortunately, the incremental cost of evaluating any new education initiative has dropped dramatically in recent years, as a result of annual testing and investments in state and local longitudinal data systems.

Rouse said the studies showed that a high - quality preschool is a good return on investment for children, with an average earned annual income of $ 42,000 by the time children were in their 40s as compared to the $ 17,000 the program cost.

Previously, Reynolds and colleagues documented the cost benefits of early education, demonstrating an 18 percent annual return on investment for society.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

As I mentioned in my investment strategy for building a cashflow machine, I purchase stocks when the annual dividend income provided by that purchase exceeds the $ 4.95 commission cost.

If you just want a reliable and inexpensive manager, look at Interactive Brokers Asset Management Smart Beta Portfolios for an automated solution that will actively manage your investments at an annual cost of 8 basis points.

Investment returns are expressed in annual terms, while yield on cost is a completely different measurement that doesn't consider how long an investment has Investment returns are expressed in annual terms, while yield on cost is a completely different measurement that doesn't consider how long an investment has investment has been held.

A fee - based couch potato portfolio may have an all - in annual cost of roughly 1.3 % but that would include investment advice, financial planning, product acquisition and execution.

Notes: (1) Total annual fees including investment fees embedded in the cost of mutual funds and ETFs, as well as advisory fees which may be charged separately.

So if by sticking to low - cost choices such as index funds and ETFs our Fiftysomething investor is able to lower his annual investment expenses to, say, 0.25 % a year instead of 1 %, he might be able to earn 5.75 % after expenses rather than 5 %, in which case saving 20 % a year and working three more years could leave him with a nest egg of just under $ 700,000 rather than $ 635,000.

Variable annuities also often have higher annual costs and fees than do IRAs and the investments available through them (such as low - cost index mutual funds and ETFs, or exchange traded funds).

Fortunately, there's a relatively simple way to avoid having your nest egg sandbagged by high expenses — namely, invest to the extent that you can in investments that have modest annual costs.

An annual percentage rate (APR) is the annual rate charged for borrowing or earned through an investment, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan.

Getting the Marriott Rewards ® Premier Plus Credit Card will cost you just $ 10 more per year than the other option, so it's well worth the investment for anyone that will be consistently taking full advantage of the card's annual free night.

In general mutual funds are more expensive because of higher expense ratios (the ongoing annual costs), load fees (typically 2 to 5 percent of the investment), transaction costs and taxes on short - term capital gains.

Some class B share funds also charge annual 12b - 1 fees, which can increase investment costs over time.

With the multitude of index funds, ETFs and other low - cost choices that are around these days, paring annual investment expenses is eminently doable.

An annual asset - based management fee will be paid to TIAA - CREF Tuition Financing, Inc. to cover the cost of investment management and administrative services.

Europe's leading low - cost airlines, a couple of health - care companies, and a maligned online grocer were recommended by investment professionals last Thursday at the fifth annual London Value Investor Conference.

The yield is usually expressed as an annual percentage rate based on the investment's cost, current market value or face value.

Assuming a hypothetical annual rate of return of 3 %, an investment of $ 5,000 each year and adjusting for inflation and annual compounding, the 22 year old will reap $ 458,599, whereas the 35 year old who waited 13 years will end up with $ 257,514, approximately $ 200,000 less.1 As you can see, with investment planning, the cost of waiting can be expensive over the long run.

These wasted investment costs mean that the average individual investor typically gives away between 1/4 and 1/3 of his or her annual investment returns to the securities and financial services industry every year.

Rather than subtracting costs from investment returns in his studies, Bengen lumps them in with other annual living expenses — so if you use a 4 % rate to withdraw $ 30,000 and pay $ 5,000 to your adviser, you'd have just $ 25,000 left for everything else.

The cash - on - cash return looks at annual operating cash flows net of mortgage costs and compares them to your cash investment (your down payment).

It trades for just under 25 times annual free cash flow, has a variable cost structure, and does not need to make large capital investments to add new customers.